Medicare, SCHIP, and PPACA Who Is Eligible Essay

Medicare, SCHIP, and PPACA

Who is Eligible for Medicare?

Medicare is essentially an insurance program available to individuals when they reach retirement age. It is however important to note that to be eligible for Medicare, individuals must first satisfy a few requirements. To begin with, in addition to being a U.S. resident, one has to be of age 65 and above to be eligible for Medicare (Medicare, 2012). As Medicare (2012) further points out, the individual seeking to join the program (or their spouse) must have "worked for at least 10 years in Medicare-covered employment…" It is however important to note that those who have a disability do not necessarily have to be aged 65 years or older to be eligible for Medicare (Medicare, 2012). This also applies to individuals suffering from End-Stage Renal disease. Those who meet the age requirement above but do not have the prerequisite work history can opt to join Medicare via the payment of a monthly premium (Cordes, Ebel, and Gravelle, 2005). It should also be noted that according to Medicare (2012), those whose retirement benefits are accessed via either the Railroad Retirement Board or the Social Security and are aged 65 and above do not have to pay premiums for Part A. Those who do not meet this age requirement must have received Railroad Retirement Board or Social Security disability benefits for a period of not less than two years to access Part A (Medicare, 2012).In contrast to Medicare Part A, Medicare Part B according to Cordes, Ebel, and Gravelle (2005) "is voluntary for those eligible for Part A, but is heavily subsidized by tax payers."

What is SCHIP?

SCHIP is basically an acronym for State Children's Health Insurance Program. The program "was established by the federal government ten years ago to provide health insurance to children in families at or below 200% of the federal poverty line" (SCHIP, 2013). In that regard, the program targets families who do not qualify for Medicaid as a result of their modest incomes. Currently, the United States Department of Health and Human Services is charged with the administration of the program. It….....